credit risk manager

Citi

<div><div><div>Job Req Id:</div>
<div>26949117</div>
</div><div><div>Location(s):</div>
<div>Irving, Texas, United States</div>
</div><div><div>Job Type:</div>
<div>Hybrid</div>
</div><div><div>Posted:</div>
<div>Apr. 13, 2026</div></div></div>
 <div><h2 class="jobSectionHeader">Discover your future at Citi</h2>
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you&rsquo;ll have the opportunity to grow your career, give back to your community and make a real impact.
<h2 class="jobSectionHeader">Job Overview</h2>
Description
The Senior Vice President (SVP), Portfolio Credit Risk Manager in Wealth Risk Management is a senior leadership role within the Second Line of Defense (2LOD). This position provides independent risk oversight for a diverse portfolio, including retail-unsecured portfolios and wholesale securities-based lending (SBL) from the Wealth at Work (WaW) and US Consumer Wealth (USCW) business segments.
The core objective is to lead portfolio risk management activities to minimize credit losses and protect the Citigroup franchise and reputation. This individual will ensure portfolio risks remain within the firm's established risk appetite, align practices with regulatory and internal frameworks, and provide effective, objective challenge to the First Line of Defense (1LOD). The SVP will also evaluate emerging risks linked to client behavior, market conditions, and macroeconomic trends to protect the firm's financial stability.
Responsibilities<ul><li>
Provide effective challenge to Portfolio Risk management activities.</li><li>
Supervise, scrutinize, and provide credible challenge to 1LOD underwriting, exposure management, and margin practices to ensure alignment with the firm's risk appetite.</li><li>
Partner on the end-to-end framework for credit reserve adequacy, including portfolio-level risk appetite statements and stress thresholds.</li><li>
Oversee, analyze, challenge and approve, as applicable, retail unsecured credit loan and counterparty transactions, providing credit recommendations and guidance to senior risk managers and structuring transactions to contain credit risk within acceptable parameters.</li><li>
Provide independent oversight of SBL portfolios, encompassing collateral quality, margin methodologies, and stress testing.</li><li>
Assess the effectiveness of credit risk processes, product programs, and standards to identify opportunities for improvement and drive strategic enhancements.</li><li>
Provide an autonomous assessment of the accuracy and appropriateness of risk ratings and classifications for assigned portfolios.</li><li>
Interface as needed with regulators and internal audits, managing information requests and overseeing any required remediation efforts.</li><li>
Partner with stakeholders to understand data sources and improve the process of defining, extracting, and utilizing data for risk management purposes.</li><li>
Review and assess the appropriateness, completeness and functionality pf controls applicable to WaW/USCW Risk and manage the performance of same where applicable.</li><li>
Report to and assist the WaW/USCW Risk Head with tasks as required and perform other assigned duties.</li></ul>
Qualifications<ul><li>
10+ years of prior experience in a credit-related, risk management, or banking role, with a strong background in Wealth Management, Retail Risk, or related business functions.</li><li>
Solid knowledge and hands-on experience in risk management, especially with credit portfolios, exhibiting abilities in scrutinizing, probing, and supervising first line of defense risk management</li><li>
Strong familiarity with collateral management, market risk dynamics, and regulatory expectations for consumer credit and SBL.</li><li>
Knowledge of Citi Retail Credit Risk and Wholesale Credit Risk policies and frameworks.</li><li>
Proficiency in credit analysis, counterparty risk, and portfolio stress testing, with the ability to predict and plan for potential market fluctuations.</li><li>
Excellent communication and presentation skills, with a demonstrated ability to explain complex financial concepts to diverse stakeholders, negotiate effectively, and influence strategic decisions.</li><li>
Proven ability to operate independently, deliver under tight timeframes, and manage multiple complex activities in a fast-paced environment.</li><li>
Demonstrated leadership in driving collaboration across teams.</li><li>
Exceptional project management skills, with the capability to oversee multiple projects from inception to completion.</li><li>
Proficiency in ensuring compliance with legal and regulatory requirements.</li></ul>
Education<ul><li>
Bachelor's degree/University degree or equivalent experience.</li><li>
Master's degree preferred.</li></ul>
-
Job Family Group:
Risk Management
-
Job Family:
Portfolio Credit Risk Management
-
Time Type:
Full time
-
Primary Location:
Irving Texas United States
-
Primary Location Full Time Salary Range:
$144,480.00 - $216,720.00 
In addition to salary, Citi&rsquo;s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental &amp; vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
-
Most Relevant Skills
Analytical Thinking, Credible Challenge, Governance, Monitoring and Evaluation, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Anticipated Posting Close Date:
Apr 17, 2026
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Senior Vice President - Portfolio Credit Risk Management 2nd LOD Sr. Lead Analyst - Risk (Hybrid)

DOHA BANK

<div>
 
 
 
 JOB DESCRIPTION
 
 
 
 
 
 Manager &ndash; Corporate Credit Risk Evaluation
 
 
 
 
 
 
 
 
 ROLE OBJECTIVE
 
 
 
 
 The
 
 Manager &ndash; Corporate Credit Risk Evaluation
 
 is responsible for
 
 independent evaluation, approval, and escalation of corporate credit proposals
 
 and for ongoing
 
 portfolio risk oversight
 
 , ensuring alignment with the Bank&rsquo;s risk appetite, internal credit policies, and QCB regulatory requirements.
 
 
 
 
 
 The role operates as a
 
 key credit decision authority
 
 within the Corporate Credit Risk function, providing effective challenge to business proposals, supporting sustainable asset growth, and safeguarding portfolio quality.
 
 
 
 
 
 
 
 KEY ROLES &amp; RESPONSIBILITIES
 
 
 
 
 
 
 A. Credit Evaluation &amp; Decision‑Making
 
 
 
 <ul>
 <li>
 Independently
 
 review, assess, approve, or recommend
 
 corporate credit facilities (new, renewal, enhancement, amendment) within the approved delegated authority.
 </li>
 <li>
 Evaluate
 
 financial statements, cash‑flow projections, business models, facility structures, collateral, and guarantees
 
 , with a primary focus on repayment capacity and risk sustainability.
 </li>
 <li>
 Identify inherent credit risks and assess the adequacy of risk mitigants in line with approved credit policies and regulatory guidelines.
 </li>
 <li>
 Prepare and/or review
 
 Credit Memos, Credit Cover Sheets, and Term Sheets
 
 , ensuring clarity, accuracy, and risk transparency.
 </li>
 <li>
 Present credit proposals and risk assessments to
 
 Credit Committees or senior approving authorities
 
 , as required, and address queries effectively.
 </li>
 </ul>
 
 
 
 
 
 
 B. Corporate Credit Portfolio Management
 
 
 
 <ul>
 <li>
 Manage and monitor the
 
 credit risk profile of the assigned corporate portfolio
 
 throughout the credit life cycle.
 </li>
 <li>
 Track
 
 early warning signals
 
 , covenant compliance, conduct of accounts, and sector / single‑name concentration risks.
 </li>
 <li>
 Recommend
 
 preventive or corrective actions
 
 , including restructuring, limit adjustments, or enhanced monitoring, to manage emerging risks.
 </li>
 <li>
 Escalate material or deteriorating risks to the Section Head and senior management in a timely manner.
 </li>
 </ul>
 
 
 
 
 
 
 C. Policy, Governance &amp; Regulatory Compliance
 
 
 
 <ul>
 <li>
 Ensure all credit evaluations and decisions comply with
 
 internal credit policies, procedures, risk appetite statements, and QCB regulatory requirements
 
 .
 </li>
 <li>
 Apply policy judgment when assessing exceptions and deviations and provide reasoned recommendations for approval.
 </li>
 <li>
 Contribute to the
 
 review and enhancement of credit policies and procedures
 
 in response to regulatory changes or market developments.
 </li>
 <li>
 Support internal audits, external audits, and regulatory reviews by providing timely and accurate information.
 </li>
 </ul>
 
 
 
 
 
 
 D. Stakeholder Engagement &amp; Business Partnership
 
 
 
 <ul>
 <li>
 Work closely with
 
 Corporate Banking, Wholesale Banking, Treasury, Credit Administration, and Credit Control
 
 teams to ensure end‑to‑end credit risk management.
 </li>
 <li>
 Engage with Relationship Managers, and where appropriate, clients to understand business operations, funding requirements, and risk drivers.
 </li>
 <li>
 Provide
 
 constructive challenge and guidance
 
 to business teams to ensure balanced risk‑return outcomes.
 </li>
 </ul>
 
 
 
 
 
 
 E. People Management &amp; Coaching
 
 
 
 <ul>
 <li>
 Guide and support
 
 Credit Risk Analysts / Senior Credit Risk Analysts
 
 in the preparation and quality of credit assessments.
 </li>
 <li>
 Review credit analyses prepared by team members and provide feedback to enhance judgment, structure, and risk articulation.
 </li>
 <li>
 Support the Section Head in recruitment screening, performance feedback, and capability development within the Credit Risk Evaluation unit.
 </li>
 <li>
 Act as a
 
 technical mentor and role model
 
 , maintaining consistent credit standards across the team.
 </li>
 </ul>
 
 
 
 
 
 
 AUTHORITY &amp; DECISION FRAMEWORK
 
 
 
 <ul>
 <li>
 Operates with
 
 delegated credit approval authority
 
 in line with the Bank&rsquo;s approval matrix.
 </li>
 <li>
 Authorized to recommend and escalate complex or high‑risk proposals to higher approving authorities.
 </li>
 <li>
 Participates in
 
 Credit Risk Committees and management forums
 
 as required.
 </li>
 </ul>
 
 
 
 
 
 
 EDUCATION &amp; EXPERIENCE
 
 
 
 
 
 
 Educational Qualifications
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Accounting, Business, Economics, or related discipline.
 </li>
 <li>
 Professional certifications (CA, CFA, FRM, MBA) are an advantage but not mandatory.
 </li>
 </ul>
 
 
 
 
 
 
 Experience
 
 
 
 <ul>
 <li>
 
 10&ndash;15 years total experience
 
 in banking or financial services.
 </li>
 <li>
 
 Minimum 7&ndash;10 years
 
 in
 
 Corporate Credit Risk / Credit Evaluation
 
 .
 </li>
 <li>
 Proven exposure to
 
 corporate and commercial banking clients
 
 and complex credit structures.
 </li>
 <li>
 Experience operating with
 
 delegated credit approval authority
 
 and supporting Credit Committees.
 </li>
 </ul>
 
 
 
 
 
 
 TECHNICAL COMPETENCIES
 
 
 
 <ul>
 <li>
 Corporate financial statement and cash‑flow analysis
 </li>
 <li>
 Credit structuring and risk mitigation techniques
 </li>
 <li>
 Credit grading / rating methodologies (working knowledge of PD, LGD concepts)
 </li>
 <li>
 Portfolio risk monitoring and concentration analysis
 </li>
 <li>
 Strong written and verbal
 
 credit risk articulation
 
 </li>
 </ul>
 
 
 Strong judgment and interpretation skills are critical; model development is not a core requirement.
 
 
</div>

Manager Credit Risk Evaluation

Lendo

<div>As Lendo continues to expand, we are looking for a Senior Credit Manager to support the growth of our lending portfolio through hands-on credit assessment, strong risk management, and day-to-day leadership of the credit function.
This is a highly hands-on role, ideal for someone who enjoys being close to the detail, making credit decisions, and working closely with the team to ensure high-quality and efficient underwriting. 
Key Responsibilities:<ul><li>
Evaluate the creditworthiness of potential customers by analysing financial statements, cash flow, credit history, and key risk indicators</li><li>
Review borrower applications end-to-end, providing clear recommendations on approvals, declines, and deal structuring aligned with Lendo&rsquo;s risk appetite</li><li>
Lead and support the credit team on day-to-day operations, including task delegation, prioritisation, and ensuring timely turnaround of credit decisions</li><li>
Ensure all lending activities comply with SAMA regulations and internal credit policies, maintaining strong governance standards</li><li>
Monitor portfolio performance, including repayments, arrears, and bad debts, proactively identifying risks and implementing mitigation actions</li><li>
Own and continuously improve credit policies and underwriting processes in line with business needs and market conditions</li><li>
Create and maintain product specifications and credit procedure documentation to support consistency and scalability</li><li>
Work closely with Product, Data, and Tech teams to enhance underwriting processes, automation, and decision-making capabilities</li></ul>
Qualifications:<ul><li>
6&ndash;10+ years of experience in credit risk / underwriting, ideally within SME lending or fintech</li><li>
Proven experience working within a SAMA-regulated environment</li><li>
Strong hands-on credit assessment experience with solid financial analysis capability</li><li>
Previous experience leading or mentoring a team</li><li>
Strong understanding of credit policies, underwriting processes, and portfolio monitoring</li><li>
Detail-oriented with a high level of ownership and accountability</li><li>
Comfortable operating in a fast-paced, high-growth environment</li><li>
Strong communication and stakeholder management skills</li></ul></div>

Senior Credit Manager

Adyen

<div>This is Adyen

Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&amp;M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.

For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster.

Credit Underwriter - Financial Products

As a Credit Underwriter based in Chicago, you will be part of a growing team responsible for evaluating, managing, and scaling credit risk across Adyen's expanding suite of financial products. The team plays a critical role in assessing credit risk, underwriting SME and enterprise merchants, and ensuring that portfolio performance remains within Adyen's risk appetite, while enabling sustainable growth for our merchants.

Beyond day-to-day underwriting and portfolio management, the team owns the development and operation of credit risk frameworks for new and evolving financial products (e.g. Adyen Capital). Working closely with Commercial, Product, Compliance, and other cross-functional partners, you will help design scalable, data-driven risk processes that support Adyen's global growth ambitions.

The Credit Risk team is in an early stage of its journey, offering significant opportunities to shape processes, influence product direction, and grow alongside the business. You will join an international, diverse team that values ownership, pragmatism, and collaboration, and operates across regions and cultures.

The ideal candidate combines strong problem-solving skills, clear and direct communication, and deep financial expertise to deliver thoughtful risk assessments and contribute to strategic recommendations on credit policies, frameworks, and practices.

Please note that this role is a hybrid, 3x a week position in Chicago.

Base salary compensation for this role in Chicago is: $85,000.00-$110,000.00. The total compensation package also includes equity (RSUs).

What you'll do
<ul>
<li>Perform the credit underwriting and portfolio monitoring of different financial products, including loans to SMBs and other credit products to enterprise customers;</li>
<li>Analyze the impact of business model, industry and macro-economic developments on the credit portfolios and the credit risk offering of Adyen;</li>
<li>Develop and implement credit risk strategies to enhance portfolio performance while ensuring alignment with risk appetite and business objectives;</li>
<li>Drive continuous improvement of our global and US-specific credit risk underwriting and monitoring framework, including policies, procedures and practices;</li>
<li>Provide credit risk expertise to a variety of stakeholders to guarantee that credit risk is properly considered in new commercial product developments;</li>
<li>Lead projects from beginning to end, and find optimal solutions that benefit our customers and improve our risk management practices;</li>
</ul>
Who you are
<ul>
<li>Financial Expertise:</li>
<li><ul><li>Minimum of 3+ years of experience in commercial credit underwriting, preferably within banking, fintech, or SMEs credit lending-driven environments.</li>
<li>Strong analytical capabilities with demonstrated ability to interpret financial statements, assess borrower quality, and identify key risk drivers, trends, and early-warning indicators.</li>
<li>Proven experience managing and assessing credit portfolios across products such as SMB lending, working capital solutions, overdrafts, charge cards, and/or asset-backed financing.</li>
<li>Experience operating in high-volume, scalable credit environments is a strong plus, including exposure to payments, automation, and data-driven decisioning frameworks.</li>
<li>Ability to balance risk and return, applying sound judgment to make credit decisions in line with defined risk appetite and business objectives.</li>
<li>Familiarity with U.S. regulatory frameworks and guidelines related to credit risk; hands-on regulatory experience is a strong plus but not required.</li>
</ul></li><li>Mindset:</li>
<li><ul><li>Results-driven and outcomes-focused, with a strong sense of ownership and accountability for decisions and impact.</li>
<li>Comfortable operating in a fast-scaling environment, contributing to the design of robust processes and building with automation and scalability in mind.</li>
<li>Adaptable and resilient, able to adjust quickly to changing priorities, product offerings, and risk profiles.</li>
<li>Collaborative team player with a low-ego, high-accountability mindset who values constructive challenge and shared success.</li>
</ul></li><li>Communication</li>
<li><ul><li>Clear and effective communicator who is able to communicate straight and to the point.</li>
<li>Comfortable engaging with a wide range of stakeholders, both internally and externally, across functions and seniority levels.</li>
<li>Capable of navigating complex and sensitive conversations with regulators, merchants, and partners, translating risk considerations into clear, actionable messages.</li>
</ul></li>
</ul>Our Diversity, Equity and Inclusion commitments

Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you're from, we welcome you to be your true self at Adyen.

Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application! 


What's next?

Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don't be afraid to let us know if you need more flexibility.

Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status.

All your information will be kept confidential according to EEO guidelines.</div>

Credit Underwriter

SMEET (W.L.L)

Job SummaryWe are seeking an experienced Credit Controller to join our Finance team and take full responsibility for managing receivables, credit risk, customer accounts, and collection activities. The role requires strong financial discipline, effective coordination with Sales and Operations, and proactive control to ensure healthy cash flow and minimized credit exposure.Key Responsibilities&middot; Manage accounts receivable and ensure timely collection of outstanding payments.&middot; Monitor aging reports and proactively follow up on overdue accounts.&middot; Assess customer creditworthiness and recommend appropriate credit limits and terms.&middot; Review and approve new credit applications with proper documentation.&middot; Resolve invoice disputes and coordinate with Sales and Operations on payment issues and credit holds.&middot; Prepare receivables reports, collection KPIs, and support cash flow forecasting.&middot; Ensure compliance with company financial policies and support month-end reconciliations.&middot; Advise management on high-risk accounts and collection strategies.Requirements&middot; Education: Bachelor&rsquo;s degree in Finance and Accounting.&middot; Experience: Minimum 5 years of experience in Credit Control / Accounts Receivable (construction or ready-mix experience preferred).&middot; Strong knowledge of billing cycles, credit management, and customer account handling.&middot; Must be available in Qatar with a valid QID.&middot; Fluency in Arabic and English is mandatory.Apply: careers@smeet.com.qaJob Type: Full-timePay: QAR10,000.00 - QAR13,000.00 per monthWork Location: In person

Credit Controller

Albilad Capital البلاد المالية

<div>
 
 
 Job Purpose:
 
 
 
 The Assistant Manager-Risk Management is responsible for providing efficient support in managing all facets of risks; assisting in identification, assessment, and mitigation of risks that could impact the organization; collaborating with various departments to implement risk management strategies and ensuring compliance with regulatory standards. In this role, you will specifically focus on Market, Credit, and Liquidity risks inherent in Capital Markets and investment funds. You will help monitor portfolio volatility and counterparty exposures to ensure that all investment activities align with the firm&rsquo;s risk appetite and financial industry regulations.
 
 
 
 
 
 
 Qualifications (Education &amp; Certifications):
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Business, or a related field.
 </li>
 <li>
 CME-1 is mandatory
 </li>
 <li>
 Certified Risk Manager (CRM) is preferred.
 </li>
 </ul>
 
 
 
 
 
 Work Experience:
 
 
 <ul>
 <li>
 Minimum 5 years experience with 2 years in the financial services industry
 </li>
 </ul>
 
 
 
 
 
 Key Responsibilities &amp; Accountabilities:
 
 
 
 
 
 <ul>
 <li>
 Proficiency in spoken and written English and Arabic.
 </li>
 <li>
 Comprehensive understanding of the company and its product specifications.
 </li>
 <li>
 In-depth knowledge of CMA regulations and other relevant regulatory bodies.
 </li>
 <li>
 Strong analytical skills for assessing and evaluating complex risk scenarios.
 </li>
 <li>
 Effective communication skills for conveying risk information to various stakeholders.
 </li>
 <li>
 Proven ability to develop creative solutions to mitigate identified risks.
 </li>
 <li>
 In-depth knowledge of regulatory standards and compliance requirements.
 </li>
 <li>
 Ability to collaborate with cross-functional teams to implement risk mitigation strategies.
 </li>
 <li>
 Proficient in preparing detailed reports and maintaining organized documentation.
 </li>
 </ul>
 
 
</div>

Assistant Manager-Risk Management

Qatar National Bank

<div>Job Purpose Summary 
The incumbent will be responsible for assisting the management of the process of credit approval on individual credit facility proposals for Corporate and Retail customers (only those retail proposals that fall outside applicable policy parameters), forwarded to them by the appropriate departments/ units. The incumbent will assess the quality of the credit exposure sought to be undertaken and adherence to established policies and procedures. The incumbent will constantly research and seek to apply best practices in credit risk, in accordance with Basel II and other relevant guidelines.
Essential Duties &amp; Responsibilities by Dimensions 
A- Shareholder &amp; Financial<ul><li>
Perform activities within the assigned Credit Risk Strategy that reflects the Group's tolerance for risk and the level of profitability the Group expects to achieve for incurring various credit risks.</li><li>
Ensure the use of a standardized process for evaluating credit proposals ensuring that all approved credits are within QNB's Credit Risk Strategy.</li><li>
Assist the SVP of Risk in creating Key Performance Indicators (KPIs) for the department and monitor their achievement on periodic basis</li><li>
Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and monitor same.</li><li>
Implements KPI's and best practices for role</li><li>
Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank.</li><li>
Demonstrate clear understanding of the important factors behind the bank's financial &amp; non-financial performance.</li></ul>
B- Customer (Internal &amp; External)<ul><li>
Coordinate with Compliance Group to ensure an appropriate response to obtain updates on regulations pertaining to credit risk review that are promulgated by the Central Bank, if any.</li><li>
Build and maintain strong and effective relationship with the all other related departments and units to achieve the Group's goals/ objectives.</li><li>
Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required.</li><li>
Assist the SVP of Risk in the development/ finalization of Service Level Agreements (SLAs) between the respective overseas operations and Head Office units/ departments as and when needed, to the extent they relate to the business functions.</li><li>
Ensure adherence to the Turn around Times (TAT) specified in the SLAs.</li><li>
To assist customers in all their queries on Bank's product and seek solution to their requests.</li><li>
Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.</li></ul>
C-Internal (Processes, Products, Regulatory)<ul><li>
Perform credit assessments, and provide credit approvals within the authority delegated to the incumbent.</li><li>
Ensure compliance with established/ approved credit risk policies and procedures and ensure that a sound environment for identifying, measuring, monitoring and controlling credit risk is in place.</li><li>
Check coordination with business unit Relationship Managers for the timely receipt of customer documents/ other information required to evaluate the credit worthiness of the proposed borrowers.</li><li>
Supervise the assessment of the credit proposals is adequate and analyses the various credit risk facets to measure a final credit risk rating including (but not limited to) an assessment of the requested facility and guarantees provided, client management and background, industry analysis, country analysis, external agency credit rating (if applicable), financial and cash flow analysis and the risk rating from the credit risk rating tool in use.</li><li>
Based on the assessment, recommend extending or declining the facility request or asking for additional security/ further structuring of the deal/ facility to safeguard the Group's interests.</li><li>
Ensure that all credit approvals meet overall policy guidelines and QCB regulations and to stipulate terms and conditions to mitigate the credit risk borne/ faced by the Group.</li><li>
Work towards improving overall Group credit portfolio by instilling credit risk best practices.</li><li>
Address/ facilitate correction of any weaknesses identified during assessments, audits, or examinations.</li><li>
Coordinate activities with business units to ensure the timely processing of customer credit requests within established TATs.</li></ul>
Continuous Improvement:<ul><li>
Set examples by leading improvement initiatives through cross-functional teams ensuring successes.</li><li>
Identify and encourage people to adopt practices better than the industry standard.</li><li>
Continuously encourage and recognise the importance of thinking out-of-the-box within the team.</li><li>
Encourage, solicit and reward innovative ideas even in day-to-day issues.</li></ul>
D-Learning &amp; Knowledge<ul><li>
Possess an understanding of business processes and controls in all related credit/ operational areas.</li><li>
Maintain an understanding of all pertinent regulations as well as best practices pertaining to the overall credit operations.</li><li>
Support in risk management training across all business areas within the Group.</li><li>
Proactively identify areas for professional development of self and undertake development activities.</li><li>
Seek out opportunities to remain current with all developments in professional field.</li><li>
Hold meetings with staff and assess their performance and your teams overall performance on a regular basis.</li><li>
Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within the team members.</li><li>
Identify development opportunities and activities for staff and facilitate/coach them to improve their effectives and prepare them to assume greater responsibilities.</li></ul>
E-Legal, Regulatory, and Risk Framework Responsibilities<ul><li>
Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML &amp; CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).</li><li>
Understand and effectively perform your role under the Three Lines of Defence principle to identify measure, monitor, manage and report risks.</li><li>
Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.</li><li>
Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.</li><li>
Maintain appropriate knowledge to ensure full qualification to undertake the role.</li><li>
Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.</li><li>
Attend mandatory (internal and external) seminars as instructed by the Bank.</li></ul>
F-Other<ul><li>
Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information.</li><li>
Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and Compliance functions, and relevant Regulators.</li><li>
Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position.</li><li>
All other ad hoc duties/activities related to QNB that management might request from time to time.</li></ul>
Education and Experience Requirements<ul><li> 
University graduate (Bachelor's degree) preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study), Masters preferred.</li><li>
Professional certification such as PRM, CPA, CFA is preferred.</li><li>
Sound typically a Minimum of 8 years' experience in a major bank of which at least 2 years in bank in a supervisory capacity in risk function.</li></ul>
Required Special Skills<ul><li> 
Excellent oral and numerical and written communication skills in English and Arabic (preferred).</li><li>
Knowledge of Basel II Accord, with particular emphasis on credit-related issues and credit modelling methodologies.</li><li>
Excellent quantitative modelling, analytical, and research skills.</li><li>
Experience in working with large and complex data sets. Knowledge of financial markets and products.</li><li>
Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements.</li><li>
In-depth understanding of credit risk methodologies (KMV, Credit / Metrics, etc.), interest rate modelling [short rate models, HJM, BGM, etc.], VAR, and/or other complex financial risk modelling highly desirable.</li><li>
Adequate knowledge of IT systems/ applications.</li><li>
Self-motivated, eye for detail with ability to work with others and lead teams from diverse cultural backgrounds.</li></ul></div>

Senior Manager - Credit Risk (Kuwaitization)

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